Call reports 2013
STATE BANK AND TRUST COMPANY — 2013
What STATE BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 925,488,000 | 949,473,000 | 979,029,000 | 948,472,000 |
| Total loans | 675,376,000 | 698,473,000 | 705,362,000 | 715,910,000 |
| Allowance for loan losses | 7,660,000 | 8,040,000 | 8,389,000 | 8,671,000 |
| Securities available for sale | 115,097,000 | 116,964,000 | 127,923,000 | 122,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 774,606,000 | 767,154,000 | 830,648,000 | 797,416,000 |
| Interest-bearing deposits | 723,168,000 | 708,694,000 | 775,019,000 | 737,627,000 |
| Noninterest-bearing deposits | 51,438,000 | 58,460,000 | 55,629,000 | 59,789,000 |
| Equity capital | 106,523,000 | 106,299,000 | 108,044,000 | 104,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,476,000 | 19,276,000 | 29,382,000 | 39,463,000 |
| Interest expense | 1,588,000 | 3,070,000 | 4,498,000 | 5,930,000 |
| Net interest income | 7,888,000 | 16,206,000 | 24,884,000 | 33,533,000 |
| Noninterest income | 1,722,000 | 3,274,000 | 5,115,000 | 7,227,000 |
| Noninterest expense | 7,306,000 | 14,633,000 | 21,945,000 | 29,054,000 |
| Provision for loan losses | 867,000 | 1,666,000 | 2,216,000 | 3,126,000 |
| Pretax income | 1,557,000 | 3,302,000 | 6,122,000 | 8,986,000 |
| Income tax | 484,000 | 1,046,000 | 1,977,000 | 2,936,000 |
| Net income | 1,073,000 | 2,256,000 | 4,145,000 | 6,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,506,000 | 79,744,000 | 81,688,000 | 78,146,000 |
| Total capital | 86,184,000 | 87,814,000 | 90,111,000 | 86,817,000 |
| Risk-weighted assets | 753,624,000 | 774,023,000 | 782,274,000 | 777,311,000 |